Lower Reviews 2,654

Mallory Miller and David Kowit took excellent care of me! I had a rather sticky situation due to divorce and they carefully went over my options. Every detail. Even talked to me after hours. Just excellent service but above that, care for the borrower and their situational issues. No question, I'd use Lower.com again.

I worked with Lower and Sam Berman as my loan officer! Shoutout to him for being a great resource, thorough, and available whenever I had questions or needed help through the process. We did a VA refi and they were super helpful. Closed on time, no hiccups, and the whole process was smooth from start to finish. Sam and the Lower team are great to work with! I would use them again!

I worked with Sam Berman and let me tell you he is one of the best, if not the best, in his field. We worked with 3 other companies before finding lower and no one even compared to Sam’s numbers with lower. They are very honest and up front about their fees and pricing and were always quick to answer the phone when called for a question (even on the weekends). Me and my wife will not go through any other company in the future for other home loans. We have most definitely found our forever company and our forever loan officer. Thank you so much Sam!

I have closed on half a dozen purchases and sells. I was told points can be removed for highest interest rates at a later date, when we discussed closer to closing they said it can't be done. The wrong offer price was given to the appraiser. An ROV took 10 days and we had to push out closing. The appraisal was to cost $750. I said I had a recent appraisal on another property and that I didn't need a rental comp done. They agreed and had me pay $650. They then added $265 toward closing as additional appraisal expenses. $900+ for an appraisal on a single family 1600sqft home is almost twice the industry average. Most of the communication had a 48hr response time.

That was by far the most disappointing experience. There were many more issues.

I was informed at all times what the next step would be. I received all information quickly. I truly appreciated this.

I did a review three days ago and spoke too soon. Closing the loan may have gone well, but the settlement process through Lower and their assigned settlement company (Summit) has been four days and counting of poor service, excuses, outdated processes and failure to resolve the problems. I closed nine days ago and am still waiting on paper checks that have been promised three different times with three failures. Now with a weekend and holiday approaching, I'm likely left waiting another five days to resolve. A simple update to modern forms of electronic payments could have avoided all the problems. Think twice and ask questions about who is handling settlement.

Connor was great to work with through the entire refinancing process. He always kept the line of communication open and replied promptly with any of my concerns, and helped navigate all issues that came up.

I've utilized Lower.com twice now both times have experienced excellent customer service. Owen Dysart was my Loan advisor both times and I have nothing but great things to say about him.He really made the process seamlessly easy and explained everything throughout...Highly recommend..

Worked with Joe Costello and found him to be highly professional and of impeccable integrity. Every question was answered promptly and truthfully. The whole process was smooth with no surprises and no bumps. Doing a mortgage is usually as much fun as a root canal but this was clearly a very pleasant and vastly different experience. I highly recommend this company in general and this representative in particular.

Great communication! Easy process, everything was online which made getting docs together and uploaded so convenient. Joe always answered texts and call backs pretty quickly!

Our loan officer Trevor has been really great so far. Trevor has been really helpful in helping me get the best possible rate and get to a payment that we are happy with. The payment is lower than what my local bank offers which is a huge plus!!!

Justin Nguyen was amazing. Great folow up (probably the best I have seen). He deserves a 5 star rating.
The underwriting took way too long and kept coming back with more, unnessecary requests. They get a 3 Star

It's very scary to purchase a home in the economic times we live in, Lower, LLC made it easy, Tracy West made sure we were comfortable with the process, explained everything in detail there were no stones unturned...I HIGHLY recommend Tracy West to all my friends and family...Thank You...

Dane Shirley was amazing!! He made everything super easy and stress free from start to finish. I truly enjoyed working with all of the Lower team

My loan was completed from start to finish in 2 weeks. All questions were handled immediately. The rates are great. I was really impressed with Dane and his team. Couldn't ask for better service and knowledge.

Joshua Morris is a pleasure to work with. He assisted me during the original home loan. I was pleased with the first experience I contacted him when rates dropped and was ready to refi. He was there every step of the way! Highly recommend 10/10.

The process was very smoot and Connor Murrell kept me informed throughout the process. He was very responsive.

Brandi Martin very personable and did a great job for us, a few delays that where out of her hands, but she stay on top of things and got everything handled. I would definitely recommend her for your loan needs.

Connor and Drew were excellent to work with. Extremely communicative and very efficient - what more can you ask for from your lender!!!

This is the third time using Lower and will continue to do so in the future. I very much appreciate the professionalism and dedication to their clients with their clear communication during the entire process. I worked with Sam Berman and he answered every question in a quick and timely fashion. Sam was a dream to work with and I am grateful for all his help and advice. Highly recommend both Sam and Lower.